I suggest you go to Chengdu Provident Fund Center to ask, if you really paid the provident fund in Luzhou, Luzhou Provident Fund Center can provide you with proof of payment, but because your house was bought in Chengdu, you have to go to Chengdu Provident Fund Center to ask if you can transfer the provident fund loan, and Luzhou does not accept it.

2. Can Luzhou commercial loans be directly converted into provident fund loans?

Hello, commercial loans can be converted into provident fund loans. However, in order to convert personal commercial loans into provident fund loans, it is necessary to meet the conditions for converting commercial loans into provident fund loans. The conditions for transferring commercial loans to provident fund loans mainly include:

1. Continuous repayment of personal commercial loans 1 year or more;

2. Individual provident fund is continuously paid 1 year or more;

3. Houses that are transferred to provident fund loans are required to be registered in the local monetary center and have formal and legal residential development projects;

4. Individuals need to obtain the consent of the original commercial loan bank to convert commercial loans into provident fund loans.

Therefore, when buying a house with a loan, if the borrower chooses a commercial loan first, it can also be converted into a provident fund loan under certain conditions. However, the conditions for commercial loans to provident fund loans are generally better, and the conditions required by different places will be somewhat different. It is suggested to consult clearly before handling commercial loans and provident fund loans, and then decide whether to handle them.

Hope to adopt!

3. Can commercial loans be converted into provident fund loans?

Legal analysis: Yes, but pay attention to the following points. 1. The borrower who transferred the provident fund loan and the borrower of the original commercial loan must be the same person, that is, you cannot transfer the commercial loan of the provident fund to another person in disguise to repay the loan. The normal repayment of the original commercial loan is more than 1 year, and there is no overdue repayment record provided by the lending bank. This time is not fixed, depending on what the original commercial loan bank requires, such as CCB for half a year, and HSBC seems to need three years. 2. The transfer of provident fund loans must obtain the consent of the original commercial loan bank. Has obtained the house ownership certificate (or the house ownership certificate and the state-owned land use right certificate). 3. The amount of commercial loans and provident fund loans is different. Generally speaking, the amount of commercial loans is higher than the amount of provident fund loans. Provident fund loans are not only limited in amount, but also have stricter auditing standards. This makes it relatively difficult for enterprises to turn to public loans. 4. Commercial loans and provident fund loans are secured in different ways. Commercial loan applicants need to take the mortgage developer's joint and several liability guarantee by stages; However, when applying for provident fund loans, applicants generally take the form of joint and several liability guarantee. The different loan guarantee methods make it difficult to convert between the two loans. 5. The interest rates of commercial loans and provident fund loans are different. Compared with commercial loans, the interest rate of provident fund loans is lower, the repayment method of provident fund loans is more flexible, and the down payment ratio is relatively low. Although it is difficult to change business to public, it is not hopeless. In some cities, if an applicant meets certain requirements, he can apply for a company loan. It is not difficult to know whether your situation is suitable for commercial loans to provident fund loans. Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lost, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income.

4. Buy a house with a commercial loan in Chengdu and pay the provident fund in Luzhou. Can I transfer it? ...

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Housing accumulation fund is a long-term housing deposit paid by units and their employees, and it is the main form of monetization, socialization and legalization of housing distribution.

You can raise provident fund to repay commercial loans.